*-To manage, supervise and monitor the Operations of Area Branches in systematic way while supporting business teams to achieve their business goals. 
.Make frequent surprise visits to the branches to review operations, record and identify and fill gaps by providing day to day support. 
•Responsible for manpower planning, transfers, and recruitment of quality operations staff, build capacity of Operations staff to undertake the operations as per procedures.
•Provide guidance and direction in implementation, execution of existing and new SOPs. 
•Minimize the operational risk, by strong follow up with the branches and strengthening internal controls.
•Ensure compliance with internal policies, procedures and regulatory requirements. 
•Coordination with HO staff for resolution of branches operational issues of area.
•Responsible to manage operations through offsite and onsite reviews, bring improvement in audit reports, ensure compliance in respective branches. 
•Ensure delivery of best services, bring efficiency & improve quality of branch operations.
•Collection, compilation and provisioning of data for reporting to Head office.

Ensure achievement of assigned targets within defined deadlines.
Inculcate the cross-sell culture among the frontline staff members with the objective to have multiple product sales model comprising of Deposits, Bancassurance, Consumer Finance, Value Added Services (VAS), SME and Agri.
Improve the utilization of Alternate Distribution Channels like, Mobile Banking, Internet Banking, Debit Cards and SMS Banking.
Generate additional business through referrals. 
Conduct monthly review of P&L of the Branch with the objective of optimum utility of available resources, which will lead to enhanced revenue lines with standard cost components.
Control of day-to-day variable expenses of the branch.
Ensure effective complaint management.
Monitor service delivery in the Branch and ensure high competitive standards.
Monitor up-keeping of the branch to enhance customer experience.
Ensure compliance of regulatory framework with special focus on KYC parameters.
Constantly review internal and prudential KYC and AML requirements with a view to remain updated on any revisions.
Conduct periodic sessions with Branch Staff and Ops Support Team to review key operational risks and efficiency level as per KPIs and KRIs.
Responsible for satisfactory audit rating for the branch.
Lead and motivate Branch Staff towards achieving their respective targets.
Recommendation for Recruitment, transfer and postings of staff.
Conduct coaching, mentoring & counseling of staff members.
Conduct staff performance reviews - productivity & performance appraisals.
Any other assignment delegated by supervisor.

 
Responsible for audit and compliance of area branches including cash hub as per AML/CFT policies and SBP regulations and banks own SoPs.Periodical visit of branches to monitor conduct of operations, service quality and implementation of compliance policies.Ensure the achievement of satisfactory audit category by visiting branches and reviewing audit reports and its earliest rectification.Supporting branches by providing effective staff (transfer / reliving and new hiring) to achieve their business targets.Overall review of daily business MIS including assets, liabilities and advances to achieve monthly/annually targets.Coordination with branches to ensure minimum cash on hand / and to review cash hub position daily basis to increase profitability.Overall responsible for admin related issues, approval of expenses, and monitoring of vendors / service providers for earlier execution of issues to branches.Coordinate with area CSD to ensure I.T related issues are not effecting customer services at branches/offices.Coordination with OM & BM to ensure that customer services are given under assgined TAT and monitoring of branch operations for improvement and increase business share.To actively monitor developments and market related trend and assist area manager for opening of new branches and arrangement of site including construction to opening process as well as arrangement of all admin related issues.To closely coordinate with business and functions and have an operating rhythm with them for effective and efficient management.Making branches budget & review to ensure the achievement of budgetary targetsCoordinate with Zonal Admin, Operations and Risk departments to ensure all mails / letters are being responded within given time frame.

Maintain complete schedule of activities on daily basis to ensure the smooth working.

Supervise the accounts department ensuring the day to day work done efficiently and provide support accounts incharge in the matter requiring assistance.
Supervise and support the Deposits, Remittances, Bills, Transfer, Foreign Remittance, Credits and Clearing department ensuring that transactions are correctly executed and all activities are performed according to procedure.
Supervise the Admin department and ensure the Repair & Maintenance work is being carried out when required.
Maintenance of the office decorum, discipline and working relations in the branch to ensure the excellence in customer services.
Monitoring the liquidity position and placement of excess funds with treasury for the purpose of achieving optimum utilization.
Member in making branch budget & review to ensure the achievement of budgetary targets.
Cash Management & T.T Related issue and settlement of funds through treasury POK.
Review of branch expenditure to control them according to monthly budget and obtain approvals of expenditures form higher authorities above from BM limit.
Review of daily reports and taking action accordingly. Ensuring timely periodical reporting to the AO / ZO / HO / or other Government & Regulatory authorities. 
Supervising transactions exceeding limits & ensure KYC/AML compliance in all transactions.
Control staff work timings, measuring the performance results and monitor employees vacations schedules. 
Responsible to conduct branch annual internal & external audit and it’s compliance to maintain the working category upto satisfactory level.
Ensuring the customer complaints are handled promptly under compliance of policies, rules, regulations, code of ethics of bank and as well as regulating authorities like SBP.
Replacement / Backup of Branch Manager in his absence / leave.

Supervise the Deposits and Accounts department to ensure the day to day work and open new accounts by issuing Cheque Book, ATM Cards and Internet Banking facilities to the prospective customers.
Handling all deposits related matters as issuance o TDR / CDR and other fix deposit related products by encashment and periodical profit accrual / payment.
Supervise the Lockers and ATM functions of the branch.
Deduction of Zakat & Withholding Tax related issues, its reporting and submission / transfer to concerned authorities.
Attend all customer related affairs and queries, liaises with other departments to ensure excellence in customer services with efficient execution of routine work.
Overall marketing of all bank products to achieved the assigned business targets.
Review of daily reports and weekly, monthly and annual basis reporting of statical figure to higher office for consolidation.
Maintenance of branch and security stationary with maintenance of test key.
Monthly re-conciliation of branch accounts maintained with SBP & other banks.
Replacement / Backup of Operations Manager in his absence / leave.